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Opportunity EduFinance
Level 18, 100 Bishopsgate, London EC2M 1GT

Telephone: +44 (0) 7768599834

© 2021 Opportunity International Education Finance functions under its US and UK affiliates. Opportunity International United Kingdom is registered as a charity in England and Wales (1107713) and in Scotland (SCO39692). Opportunity International United Statesis a 501(c)3 nonprofit.

Publications Key Insights

Data is central to EduFinance’s work. Through rigorous data analysis and monitoring results, we are able to identify key areas of success, points for improvement and generate new ideas efficiently. In addition to publishing larger research studies, we want to share these key insights resulting from our ongoing data analysis, recognizing that lack of data is often a barrier to developing new, evidence-based innovations that can collectively benefit the global education sector.

3 in 4 EduQuality partner schools are affordable to low-income families.

Opportunity EduFinance has developed a country-specific framework to define a ‘low-fee non-state school.'

The role of non-state schools in early childhood education

A new report published by the World Bank demonstrates the ongoing gap in access to childcare & preschool, and the role that is left to the non-state sector to fill if given adequate access to capital to grow.

Rwanda schools prioritize investment in income generating projects using education finance

Data from Rwanda schools in the EduQuality program shows school owners with loans have overwhelmingly invest in productive assets, increasing cashflow, sustainability and the capacity to improve the quality of education.

Schools, teachers and parents are facing immense challenges as a result of the Covid-19 pandemic

EduFinance surveys found that most school stakeholders have been negatively affected by this pandemic, facing significant income decline.

School leaders are embracing digital communication channels to engage EduQuality content

Survey data shows 77% of Rwanda school leaders reported using both Facebook and WhatsApp to access EduQuality content on school crisis management, and 95% used the digital EduQuality Pathways to Reopening guide.

Schools with loans improve education quality faster

Data shows schools that have taken School Improvement Loans are improving their education quality self-assessment scores at a 19.5% faster rate than those who are not banking with a financial institution.

Non-state schools support refugee students

Survey data shows 37% of non-state affordable schools linked to EduFinance financial institution partners provide education to refugee students.

$56M worth of additional future annual income generated by School Fee and Tertiary Tuition loans

Opportunity EduFinance financial institution partners have generated $56 million worth of additional future annual income for students through disbursements of School Fee and Tertiary Tuition Loans, meaning parents and students recoup 47% of their investment annually.

School Fee Loans decrease absenteeism

Households borrowing school fee loans report lower student absenteeism rates than households that did not borrow.

For every US$1 invested in EduFinance Technical Assistance, financial institutions lend US$64 on average

Analysis finds spend on EduFinance technical assistance leverages limited resource to provide greater child impact through education lending

Schools were unprepared to manage a crisis when COVID-19 forced closures

School leaders report struggling to balance their concerns about their finances with the welfare of staff and ability for children to learn while at home

Schools & learners have limited online access for learning during COVID-19

Connectivity rates for schools highlight the need for a broad approach to support learning during school closures in low tech / low resource environments.

EduQuality schools access more loans & have lower portfolio at risk than school borrowers not in the program

Evidence suggests the Education Quality program drives longer-term relationships between school owners and financial institutions.

School Fee Loans run through EduFinance algorithm show lower risk lending to parents

There is evidence of lower risk lending to parents when School Fee Loans are run through the EduFinance Credit Algorithm.

55% of schools in EduQuality show progress in self-assessed education quality

Between 2018 and 2019, 55% of affordable private schools enrolled in the EduQuality program have shown progress in self-assessed education quality scores.

Increased opportunities for Girls and Women in Schools through education finance

Affordable private school owners accessing loans achieve higher rates of girls' enrolment and employ more female teachers in EduFinance partner schools enrolled on the EduQuality program in Uganda.

Schools in EduQuality are better Bank Customers

Schools in EduQuality with a matching loan are averaging 3.9% point lower PAR>30 than schools not in the program